Directions:Layer one side of one tortilla with cheese, fry in oiled pan on medium heat until slightly brown. Place browned tortilla with cheese in broiler or oven on broil. Broil until cheese is melted.

Spread refried beans on other tortilla slice, top with olives and onions and cook in oiled pan on medium heat until slightly brown. Add other tortilla and cook for short period of time (20-30 more seconds).